About Us

We have a Unique Approach!

At Income for Life, our distinct approach to financial planning sets us apart. Unlike other investment firms that primarily focus on better products seeking higher returns – which means higher risk – we understand the value of helping clients prevent unnecessary losses before considering risky options.

Return is just one aspect of your personal economic model. By addressing accumulated, lifestyle, and transferred money, we can secure your financial future without compromising your present standard of living. Our safety-first approach to retirement income planning prioritizes minimizing losses rather than relying solely on gains.

Join us today and discover the true value of avoiding losses in the retirement “red zone.” Contact us at jeff@incomeforlife.io to schedule your session and achieve lifelong financial stability.

There are three types of money; the money used to secure your financial future must somehow come from these three areas.

Accumulated money represents the dollars you currently have invested and are currently saving. You could focus your attention on these dollars in order to find better investments that potentially pay higher rates of return.  

Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems reducing their current standard of living is not a popular option.   

What if there were a way to address the issue without having to incur more risk or impact your present lifestyle? I’m glad you asked! 

Transferred money represents the dollars you may be transferring away unknowingly, and unnecessarily. Such as: 

  • How you pay for your house, 
  • What you pay in taxes
  • How you fund your retirement accounts
  • Non-deductible interest
  • How you pay for major capital purchases like cars, education, weddings, and other large expenses. 

Our Approach

Have you been doing all the “right things” financially that you’ve been taught to do, but you’ve been disappointed again and again? If so, you’re not alone:

  • Wall Street lost more than 49% of investor’s money – TWICE – just since the year 2000. It could easily happen again in the next five to ten years… or starting today
  • The only guarantee Wall Street gives you is that they get paid whether you win or lose
  • The typical household nearing retirement has an average of only $111,000 in their combined retirement accounts, which will provide them $500 per month – not even enough to cover basic necessities
  • If you’re like most people, you don’t have any idea what your retirement account will be worth when you need it – but it doesn’t have to be that way!
  • There are two ways to improve your finances:
    1. Find a better product that potentially pays a higher return often requiring more risk.
    2. Be more efficient by avoiding unnecessary losses.

    I believe there is more opportunity to serve my clients by helping them avoid the losses than by picking the winners. 

    Can You Answer the Four Important Financial Questions?

    1. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life?
    2. How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last until life expectancy?
    3. Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle until life expectancy?
    4. If you don’t do anything different than you are doing today, how much will you have to reduce your standard of living at retirement for your money to last for life.

Schedule your session now at jeff@incomeforlife.io and I’ll answer those questions for you – then you’ll be able to determine if I’ll be able to help you – and if what I do is what you are looking for. No pressure.


Our Philosophy 

There is more value in avoiding losses than in hoping for gains…especially in the retirement ‘red zone’ – within 5 years of retirement

Our Focus

A safety-first approach to retirement income planning


Client Satisfaction Ratings

There is more value in minimizing losses than there is in hoping for gains…especially near retirement.


Stamp Creek Rd..
Salem SC 29676